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How old do I have to be to gain credit?

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Depends on which state you're in. most start at 16. You can get a cosigned loan..a credit card..bank accts with CD's that gain interest and provide credit history. Ask an adult where you live or better yet, ask an economics teacher at school or go with your parents when they file their yrly taxes shortly.

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I have a checking account I am primary account holder and my mom is secondary I'm 15 can I gain credit from that?
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No, unfortunately not. The acct does gain interest though, and that is considered " derived income", like a job. Credit only comes from borrowing to some extent, such as a personal loan, car, credit card (not debit) etc..,

And you need to be the primary because if someone cosigns for you, its there loan and you're just on it. They get the credit for it, not you.

Go to any rite aid or cvs store and buy a pre paid green dot debit card for now and only use it for small stuff. You receive no credit history from it, but it will show your history and how is was used for the bank that will eventually receive an application for a credit card in the future. So keep it cool and don't overdraft it..regardless of pre pay.
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Eighteen in the U.S. There are some credit cards that you can get with your parents, though (I had something like that when I was 15, both my name and my mother's name were on the card.)

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basically 18+ when you get a loan on something or buy a car even cheap one through a bank and pay it back. when you can do stuff like that legally. I bought a $1200 car $1000 was on a loan paid it off in less then a year and now I got decently good credit off that one loan. I was 20 when I did that. would of done sooner but was not in books of life at time.

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If you have a J.C. Penny's Department Store where you live that is the easiest and best place to start. I dont remember if I recieved mine before I was 18 or 16.

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